更新时间：2026-08-26 来源：互联网编辑：通戏点击数： 539639次

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长护险咋报销？这份意见明确了_我的网站

泡沫之夏

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A foreign guest tries to use the "Meet China" Inbound Tourism Digital Consumption Screen in Yuyuan Garden, Shanghai, east China, Sept. 27, 2025. (Xinhua/Chen Haoming)Heatwaves sweeping across Europe this summer have made air conditioners a hot commodity. For many European consumers, however, the challenge was not only purchasing a cooling device, but also having it delivered and installed quickly.
Joybuy, the European online retail business of Chinese e-commerce giant JD.com, has addressed this demand by taking its integrated delivery-and-installation service to overseas markets.
Through its European logistics network, the company enables consumers in over 30 cities, including Paris and London, to receive same-day delivery and installation of air conditioners when orders are placed in the morning.
"Highly efficient" and "beyond expectations" are phrases frequently used by European consumers to describe the service.
By 2025, JD.com had established nearly 200 bonded warehouses, direct-mail warehouses and overseas warehouses across 25 countries and regions worldwide, according to Feng Lei, vice president of JD.com. In Europe alone, the company had built over 60 warehousing and delivery sites, supporting high-quality delivery services for overseas consumers.
Chinese services are increasingly gaining recognition worldwide. For many overseas visitors, China has become a destination not only for shopping, but also for experiencing innovative and personalized services, including autonomous driving, integrated bath and spa services, customized healthcare, intelligent robots and traditional Chinese medicine (TCM) therapies.
Foreign trainees learn Baduanjin, a traditional breathing and stretching exercise, in Sanya, south China's Hainan Province, Aug. 7, 2025. (Xinhua/Guo Cheng)

    Foreign trainees learn Baduanjin, a traditional breathing and stretching exercise, in Sanya, south China's Hainan Province, Aug. 7, 2025. (Xinhua/Guo Cheng)
According to the National Immigration Administration, China received 22.91 million inbound foreign visitors in the first half of 2026, up 20.4 percent year on year. Visa-free entries accounted for 77.7 percent of this total.
Da Ren Tang, a century-old TCM brand in north China's Tianjin Municipality, has launched a TCM-themed tourism program that offers overseas tourists various products, health consultations and wellness experiences.
The program features seasonal tea tasting, meridian massage sessions and herbal pill-making activities, helping visitors explore the connection between traditional culture and modern life.
To better serve international travelers, Umetrip, a Chinese aviation travel service platform, has launched HiChina, a one-stop travel service tool designed to help international visitors plan their trips in China.
The platform offers multilingual flight searches, online check-in, electronic boarding passes and real-time alerts. It also integrates practical functions including electronic arrival card application, English map navigation, NFC-enabled public transport payments, real-time translation and tax refund location searches.
By covering the entire travel process from arrival to departure, the platform aims to make traveling in China more convenient for international visitors.
"We use digital services to enhance the reputation of 'Chinese services,' helping unlock the potential of inbound consumption and increase the global influence of 'China Travel,'" said Liu Feng, vice president of Umetrip.
In March, China introduced a package of measures to boost travel service exports and expand inbound consumption. These initiatives include optimizing tax refund services for departing visitors, launching multilingual versions of lifestyle service applications, and further streamlining visa procedures to enhance foreign tourists' consumption experience in China.
Foreign residents in China have also witnessed firsthand the rapid upgrading of the country's service consumption.
Ivan Monich, a Russian teacher at Tianjin Foreign Studies University who has lived in China for many years, described the convenience brought by digital services as part of "the comfort of life in China."
In his view, mobile applications that combine navigation, real-time traffic information and ride-hailing services have made travel much easier. "Everything I need is right there in one app," Monich said.
Wang Yiming, former vice president of the Development Research Center of the State Council, said that China's 15th five-year plan (2026-2030) for expanding consumption emphasizes "orderly relaxing control over market access in the service sector and optimizing the market access environment for new business forms and new sectors," creating favorable conditions for the development of China's service consumption.
Liu Xiaolong, global partner of U.S.-based management consulting firm Kearney Management Consultants, said that as China's service consumption continues to move toward higher quality and more experience-oriented offerings, the country will become an important market for global service enterprises.
China is also expected to provide new ideas and opportunities for the global service consumption sector through innovations in cultural intellectual property, consumption models and other areas, Liu said.
。    　　国家医保局近日印发《关于做好长期护理保险支付管理工作的指导意见》，对长护支付管理的相关政策和核心要素进行了梳理明确，要求试点地区利用3年左右时间逐步过渡，确保参保群众待遇稳定衔接。　　长护险支付管理是保障参保人员享受优质服务、维护基金安全平稳运行的关键环节，对长期护理服务市场健康发展具有重要牵引作用。随着长护险制度逐步发展，各地在前期探索中已初步形成符合本地实际的长护险支付管理机制，但在支付范围、支付方式、支付标准管理等方面仍存在差异，一定程度上影响群众公平享受待遇，也难以有效引导长护服务市场规范发展。

B | 　　明确支付范围　　《指导意见》首先明确了支付范围。长护险基金可以报销失能等级评定机构做失能评估的费用、定点养老护理机构提供的长期照护服务费，还有第三方机构帮忙经办管理的相关费用。　　失能评估的费用，会根据实际情况，由基金和个人共同分担，防止大家随便申请、过度评估。

C | 一般来说，参保人第一次失能评估合格，还有按规定定期复查评估的费用，长护险基金支付。　　长护服务费用支付范围依据《国家长期护理保险服务项目目录》确定，符合目录的相关护理服务费用，可按规定报销。超出支付范围的护理服务费用由参保人员个人或其他渠道支付。明确区分基本医保、长护险支付范围和情形，两项制度原则上不得重复支付。　　规范支付方式　　《指导意见》明确，评估服务以按人次付费为主。护理服务以按时长付费为主，区分不同服务类型合理确定时长计费单元，原则上居家护理服务按小时付费；机构护理服务按床日付费；社区护理服务根据提供服务具体情况确定付费单元。

D | 　　随着人口形势变化和制度发展，国家层面还将统一探索对纳入长期护理保险支付范围的智能化服务、支持性辅助器具等，采取按定额或按项目付费等方式。

E | 　　合理确定支付标准　　《指导意见》明确，根据长护险基金支撑能力、参保人基本保障需求、长护服务供给情况等，合理确定长期护理保险支付标准，并动态调整。　　护理服务支付标准依据本地区经济发展水平、社会平均工资、相关行业费用水平、长期照护师等护理服务人员专业技能等分档设置。服务时长限额依据长护险基金用于护理服务的年度支出预算、待遇享受人数、护理服务支付标准、支付比例等综合确定，并结合参保类型等予以调整。　　原则上单个项目服务时长不超过服务项目目录推荐的服务时长上限。

F | 参保人员基金年度最高支付限额不超过统筹地区上年度城乡居民人均可支配收入的50%。

G | 　　各地要统筹考虑居家、机构、社区等护理服务形式，做好按床日支付标准与按小时支付标准的比照衔接，鼓励使用居家和社区护理服务。各省级医保部门统筹省内各统筹地区间护理服务支付标准、支付时长等待遇水平相对统一，避免差异过大，鼓励有条件的省份统一省域内评估服务支付标准。　　严格基金管理监督　　《指导意见》要求科学编制长护险基金年度预算，加强预算绩效管理，做好基金会计核算，建立基金运行监控和风险防范机制。　　强化定点评估机构、定点长护服务机构以及社会力量经办机构绩效考核。加强经办智能审核，切实提高审核拨付效率。

H | 对于评估服务未按规定执行，评估通过率畸高畸低的；护理服务未按照护理服务计划执行、未达到服务项目目录要求的；以及社会力量经办机构未按规定管理的，基金将按一定比例扣除直至拒付。长护险基金支付不得由第三方社会力量代管代拨。　　《指导意见》明确，重点加强对长护险失能等级评估行为、护理服务行为以及社会力量参与经办管理服务等的监管，逐步将长护险基金使用纳入飞行检查、日常监管、社会监督、智能监管等常态化监管范围，探索将监管延伸到个人。